FoF: 🎯 You Never Lived on 100% of Your Income. Why Retire on It?

On this weeks Facts Over Feelings Episode on the 9innings Podcast Station...

A couple earning $150,000 may be living on closer to $102,500, not the full amount a retirement calculator might tell them to replace. This episode breaks down where the rest goes, from taxes and retirement savings to health benefits, and shows why two households with the same income can have very different retirement needs. It also examines expenses that may disappear, how Medicare can change healthcare costs, and why retirement spending often rises, falls, then climbs again later in life. The takeaway: plan around your real spending, Social Security, and portfolio withdrawals, not a one-size-fits-all income replacement percentage.

00:00 – The Biggest Retirement Income Myth

02:41 – Why You Don't Need to Replace Your Gross Income

06:31 – Expenses That Disappear in Retirement

10:07 – Healthcare Costs: What Really Changes?

14:09 – Calculating What You Actually Need to Retire

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Corrections: Editing by http://SwoleNerdProductions.com

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